Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$5,430Cash toward the purchase price.
Closing costs + prepaids$12,709Not just lender fees.
Before credits & paid funds$18,139The complete starting cash picture.
Estimated remaining funds due at closing
$18,139No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$5,430.43
Your down payment$5,430.43
Closing costs + prepaids$12,709.05
Total buyer cash needed$18,139.47
Remaining funds due$18,139.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,650.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$678.50
Initial HOA (3 months)$510.00
Prepaid interest, first (24 days)$1,645.55
Fees + prepaids$12,709.05
Your down payment is the seller’s equity. You take over the $359,570 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $18,139.47 is due at closing. Uses and sources reconcile at $377,709.05 each. Not a Closing Disclosure.